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老爸退休金…沒買台積電「買了台肥」人生囧了
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記者蔡佩蓉／台北報導
人生有時候評估投資理財，會做出錯誤決策。讀者分享，他的爸爸2008年因看好政黨輪替、資產股飄漲，投入部分退休金進場買了台肥（股號1722），購入股價約為140元，但隨後遇到金融海嘯一路狂跌，目前仍在套牢，當時，也曾評估股價66、67元的台積電，沒想到10多年過後，獲利差這麼多。
讀者指出，他爸爸2008年買了2張台肥，股價約140元，但後來一路狂跌，完全沒回頭，甚至還跌到30幾元，套牢的這些年，只能安慰自己每年領現金股利，以及能拿股東贈品肥料一包、面膜一盒或是海鹽、牙膏等。
對於買了台肥，錯失買台積電的機會，財經作家游庭皓分析，投資者最常遇到的狀況，是手上的股票捨不得賣，結果股市直直落，而想要買一檔股票，卻也買不下，覺得已經漲高了，會出現這種情況，在心理學上稱「錨定效應」。
面對當錨點與事實之間的有很大出入，就會出現當局者迷的情況。他表示，遇到這種情況，最好的辦法，就是在做任何投資決策前，事先規劃好整體操作策略，不因情緒及當下信息隨意變換策略，保持好紀律，嚴格執行停損，才能避免「錨定效應」產生的虧損。
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